Think estate planning is just for the rich or the elderly? Think again. In this episode of Get Rich, Molly sits down with estate planning lawyer Simone Hargreaves to unpack exactly what goes into a rock-solid estate plan and why every adult needs one.

We cover:

• What’s actually in an estate plan (hint: it’s more than just a will)
• How powers of attorney and guardianship work
• What happens if you die without a will (spoiler: the government decides)
• The big mistakes people make with DIY wills
• How to protect your super, your digital assets, and your kids’ future
• Why having ‘the conversation’ with your family matters

Whether you’re 28 or 68, married, single, or somewhere in between, this is a must-listen if you want to protect your money, your wishes, and the people you love.

A quick disclaimer: The content of this podcast is provided for general information only and should not be taken as legal advice. Every family and every situation is different, and what we discuss here may not apply to your personal circumstances. If you need legal advice that’s specific to you, please consult a qualified lawyer. The views and opinions expressed in this podcast are our own and do not replace professional guidance.

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Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

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🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row.

The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc

See omnystudio.com/listener for privacy information.

The rules of the property game just changed and you need to know how.

In this Get Rich episode, Molly is joined by Arjun Paliwal, CEO of InvestorKit, to unpack the big news: the 5% deposit scheme for first home buyers. What does it mean for property prices? Should you buy your first home to live in, or start with an investment property? And where are the growth hotspots in 2025?

We also cover:

• The impact of the 5% deposit scheme and new price caps
• When buying to live in isn’t the best move
• Mortgage vs investment: what should you prioritise?
• Why you don’t actually need 8–10 properties to retire comfortably
• Key data points to spot growth locations
• How kids (yes, really) impact your borrowing power

This is your September, straight-talking property market update to help you make smarter moves in 2025.

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub

🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row.

The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc

See omnystudio.com/listener for privacy information.

Think budgeting is complicated? Glen James says there are only two types of budgets you’ll ever need and knowing the difference could change your financial life.

In this episode of Get Rich, host Molly Benjamin sits down with Glen James, creator of the Glen James Spending Plan and host of the My Millennial Money podcast, to break down top-down vs bottom-up budgeting in a way that’s simple, practical, and actually works in real life.

Whether you’re living week-to-week, trying to pay off debt, or saving for your first home, you’ll learn:

• The two types of budgets explained and which one works best depending on your stage of life
• How the bottom-up budgeting method works and why it’s perfect for people with existing expenses and commitments
• How to set up a weekly spending plan that covers bills, goals, and fun money (without the guilt)
• The 4 levers to pull when your budget isn’t working - including how to cut costs without feeling deprived
• Why habits matter more than spreadsheets when it comes to sticking to a budget long-term
• Common budgeting mistakes and myths and how to avoid them

If you’ve ever searched how to budget, top-down vs bottom-up budgeting, or how to create a spending plan, this episode will give you a clear framework you can start using today.

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25

Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub

🙏 A big thank you to our sponsor, InvestorKit at https://www.investorkit.com.au/! The Only Buyer’s Agency Awarded as Australia’s #1 for 2 Years in A Row.

The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.

Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.

[See omnystudio.com/listener for privacy information.]

Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc

See omnystudio.com/listener for privacy information.